Dynamic enterprise client objective credit management method

Abstract

The invention discloses a dynamic enterprise client objective credit management method. The dynamic client objective credit management method is characterized by from a public attribute, a client attribute, a client protocol clause and protocol clause execution condition data of an enterprise informatization management system, according to a time sequence, collecting a client objective credit characteristic and establishing a multidimensional sequence database of objective credit data; using a multidimensional sequence analysis method, predicting a client credit grade, dynamically adjusting the client credit grade and revising the client protocol clause. and continuously monitoring a credit characteristic change of a client, assessing an actual credit grade of the client, dynamically increasing a length of each dimension sequence of the client objective credit data so as to predict a credit grade of a next round of the client and carry out client credit iteration management. In the invention, based on a feedback cycle of client credit information, a client objective credit characteristic sequence which is changed along with time is used and dynamic changes of a client credit are tracked so that dynamic management of the enterprise client credit is realized and objectivity and effectiveness of client credit management are increased.

Description

technical field [0001] The invention relates to the field of enterprise information systems, in particular to a dynamic objective credit management method for enterprise customers. Background technique [0002] Enterprise information management system refers to a system that uses computer hardware, software, network communication equipment and other office equipment to collect, transmit, process, store, update, expand and maintain information. Customer credit evaluation is the most important link in the credit control system, and customer credit management is also an indispensable focus and necessary function of the enterprise information management system. In the existing enterprise information management system, usually, the result-oriented customer credit evaluation after the event cannot adjust the sales policy in a timely manner according to the customer credit dynamics, resulting in improper credit granting and may also affect the fulfillment of the customer agreement....

AI Technical Summary

Problems solved by technology

[0003] The invention discloses a dynamic enterprise customer credit management method, which is used to solve the following problems in the customer credit management of the mainstream enterprise information management system: after the event, the customer credit evaluation is performed based on the results, and the customer credit level cannot be adjusted in time according to the customer credit dynamics. As a result, the performance of the customer agreement is affected, and the risk of credit extension is increased; customer credit evaluation is only based on the customer's static characteristics, ignoring the customer's long-term and dynamic performance, and the objectivity is insufficient

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